Side-by-side · Q2 2026 data
Puget Sound Refinery Federal Credit Union vs North Coast Credit Union
Credit union
Puget Sound Refinery Federal Credit Union
Anacortes, Washington · Under $100 million in assets
Metric by metric
| Measure | Puget Sound Refinery Federal Credit Union | North Coast Credit Union |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 24 | 78 (stronger) |
| Earnings | 58 (stronger) | 53 |
| Funding & liquidity | 86 | 89 (stronger) |
| Problem-loan coverage | 84 | 93 (stronger) |
| Peer percentile | 38th | 76th |
| Total assets | $15.6M | $426.7M |
| Deposits / shares | $12.7M | $371.8M |
| Capital ratio | 17.51% (stronger) | 13.80% |
| Problem loans | 2.29% | 0.67% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.62% |
| Return on assets | 0.96% (stronger) | 0.83% |
| Loans ÷ deposits | 74.6% | 71.0% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 4.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Coast Credit Union has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Puget Sound Refinery Federal Credit Union leads on 4 and North Coast Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.